Founded in 1998 in Fort Worth by Brian Collins, Cendera Funding has built a reputation as one of the leading mortgage bankers in the country. Cendera Funding is a Fannie Mae, Freddie Mac and Ginnie Mae direct seller. We Originate, Process, Underwrite, Close, Fund and Service our own loans all in house. We control the lending process which gives you peace of mind as our customer. We love what we do.
"Live your life, love your mortgage".

Cendera is a mortgage banking firm of people inspired to provide responsible, precise, and on time mortgage funding for each family we have the pleasure to serve.

We are bound by an ethical commitment of accountability to fully understand and, only then, inform you on how to apply the best- designed mortgage plan that represents thte best interest of your family.

How our employees conduct themselves has the single greatest and most influential impact in building our relationship with you.

Our relationship with you is a long-term legacy that continues far beyond your first mortgage with us.

Your referral of a family member or friend is the absolute best compliment we could ever hope to achieve.

We enjoy and have fun working together in a culture where honesty, integrity, mutual respect, responsiveness, and self-management are among the most highly regarded qualities expected of each employee.

We are dedicated to giving back and investing in the communities we serve.

FHA Loans

The Federal Housing Administration (FHA) offers FHA-insured loans that are designed to help increase home ownership by low- and moderate-income families and first-time homebuyers. Because the FHA insures the loan, lenders can offer greater flexibility in lending guidelines. Available for single- and multi-family homes, FHA loan financing options include traditional fixed-rate products, adjustable rate mortgages […]

VA Loans

The U.S. Department of Veterans Affairs (VA) offers VA-insured loans to veterans, active-duty personnel, reservists/National Guard members and some surviving spouses. When the loan is approved, the VA will guarantee part of it. The amount of the VA’s guarantee usually depends on the size of the loan. A VA-guaranteed loan can be used to buy […]

Jumbo Loans

Jumbo mortgage loans are designed for homebuyers who need to finance especially large purchases. A loan is considered jumbo if it exceeds the “conforming” loan limit set annually by Fannie Mae and Freddie Mac, the government-sponsored agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders. The current conforming loan limit […]

USDA Loans

U.S. Department of Agriculture (USDA) mortgage loans are offered in rural areas to help lower-income households gain access to home loans at reasonable mortgage rates. Property types eligible for USDA loans include single-family homes, condominiums and manufactured housing on a permanent foundation. Eligibility requirements vary depending on property location, and these loans are offered only […]

Conforming Loans

A conforming loan is a mortgage that is equal to or less than the loan limit set annually by Fannie Mae or Freddie Mac, the government-sponsored agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders. The current conforming loan limit for a single-family home or condominium in most areas of […]

Reverse Mortgages

A reverse mortgage enables homeowners age 62 and older to convert part of the equity in their primary residence into tax-free cash without having to sell their home or give up title. It is a low-interest loan that uses a home’s equity as collateral. It is called a reverse mortgage because rather than the homeowner […]

Fixed-rate Mortgages

Fixed-rate mortgages feature a fixed percentage rate and loan amount, so the monthly payment is the same every month for the entire length of the loan. Because of the loan’s stability, this is the most common type of mortgage for first-time homebuyers. Key elements of fixed-rate mortgages: The monthly principal and interest payment will not […]

Adjustable-rate Mortgages (ARMs)

Adjustable-rate mortgages (ARMs) have a variable interest rate and monthly payments that are recalculated on a regular basis to reflect changes in the market interest rate. The initial rate on an ARM is fixed for a specified period. The shorter the initial fixed period, the lower the initial rate can be. The lower rate reflects […]

Whether you are buying a new home or refinancing, we will work with you and walk you through the entire process from beginning to end. We will assist you with determining what loan product and program type is right for you, and ensure an extremely competitive rate.

A mortgage is a loan that a buyer secures to pay the seller of a home or property in full at the time of purchase. The buyer then owes the mortgage lender the total amount borrowed, plus agreed-upon interest and fees. The lender holds the deed of ownership to the property until the buyer pays off the mortgage.

Q:Who should I contact for general mortgage questions?A:

Your Cendera Funding mortgage loan originator can answer any questions you have. Click one of the “Find A Loan Officer” links at the top or bottom of our website to search for an originator by name, city, state, or zip code. Our Corporate Office can be reached at (817) 246-9700, Monday – Friday, 8 am – 5 pm CST.

Q:What does “loan-to-value” mean?A:

Loan-to-value (LTV) represents the loan amount as a percentage of the current market value of a home. It can be calculated by dividing the dollar amount of the mortgage loan by the current dollar value of a home. The LTV ratio helps determine whether the lender will require the buyer to secure private mortgage insurance to complete the loan.

Q:Is there a minimum down payment required to buy a home?A:

The size of the down payment depends on the type of loan, buyer preferences and many other factors. Some loans require no down payment at all. For more information on loan options, contact one of our mortgage professionals.

Thank you for considering Cendera Funding for your home financing! Please let us know if you are already working with one of our Loan Officers or if you'd like to find one near you. You can search by name, city, state or zip code below. Once you've selected your Loan Officer, simply click "Apply Now" to begin the online loan application process.

Mortgage Qualifier

The first step in buying a house is determining your budget. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the ‘View Report’ button to see a complete amortization schedule of your mortgage payments.

Rent vs. Buy

Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes and monthly payments to help you make a decision between these two options. This report is based on the original purchase price, fees and taxes payable at that time. Insurance and tax costs can fluctuate from year to year. Click the ‘View Report’ button for a detailed look at the results.

Mortgage Comparison

Determining which mortgage term is right for you can be a challenge. With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Blended Rate Mortgage

The high price of homes has many buyers trying to get 100% or near 100% financing. One option is to acquire two mortgages. This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of your home.

Mortgage Debt Consolidation

This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you. Enter your credit cards, installment loans and the mortgages you wish to consolidate by clicking on the ‘Enter Data’ button for each category. Then change the consolidated mortgage loan amount, term or rate to create a loan that will work within your budget. Click the ‘View Report’ button for detailed results.

Mortgage Required Income

What income is required to qualify for a mortgage? That largely depends on your monthly debt payments and the current interest rate. This calculator collects these important variables and determines your required income to qualify for your desired mortgage amount.

Mortgage Loan Calculator

Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the “Report” button for a full yearly or monthly amortization schedule.

Maximum Mortgage

What is your maximum mortgage? That largely depends on your income and current monthly debt payments. This calculator collects these important variables and determines your maximum monthly housing payment and the resulting mortgage amount.

Refinance Breakeven

How long will it take to break even on a mortgage refinance? That depends on a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. Use this calculator to sort through the confusion and determine if refinancing your mortgage is a sound financial decision. Click the ‘View Report’ button for a detailed look at your records.

Mortgage Tax Savings

Interest paid on a mortgage is tax deductible if you itemize on your tax return. So are points that are paid to lower your interest rate. Use this calculator to determine how much you could save in income taxes. Click on the ‘View Report’ button to view the results in detail.

Mortgage Payoff

How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. Click the “View Report” button to see a complete amortization payment schedule and how much you can save on your mortgage.